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Aman Brar & Associates Financial Services

Commercial Financing and Investments

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Specialists in all classes of Insurance
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Our Services

Newest Services

Life Insurance

We understand that life insurance can be a very delicate and confusing subject. Yet it's no secret that if the primary income earners in your family were to die prematurely, the surviving family members might face financial difficulty. Without the primary earner's income, how will they deal with ongoing living expenses, debts, or tuition costs? Combined with investments, retirement and estate planning, life insurance is a fundamental part of a sound financial plan. With the help of an insurance professional you can develop a complete plan that will fully protect you and your family.
Despite the importance of this type of coverage, we have found that many of our clients were not given the opportunity to thoroughly evaluate their life insurance needs by the companies they had previously dealt with. As a result, they were over-insured, underinsured, or had the wrong kind of insurance. To assist us in properly meeting your life insurance needs, we have developed a unique assessment tool that generates a 'snapshot' of your insurance and financial needs and compares them against plans you currently have in place.
Two key factors we consider when we do this analysis are the amount and type of life insurance your family needs. The appropriate amount is obviously an individual matter. Below are links to brief descriptions of the main types of life insurance we carry; this information will help you make the right choice when you meet with one of our customer service representatives.
Note that the products we offer may be used as mortgage insurance or for estate planning, including funding of capital gains tax liabilities.


This is the least expensive form of life insurance available. It protects your family against income loss for a fixed period of 1, 5, 10, 15, or 20 years. You can also purchase a term life insurance plan that covers you to a certain age, such as 65, 75, or 80. Your premiums will stay level throughout the term during which you are covered, but will increase if the policy is renewed. When the term ends, you may or may not need to provide medical evidence in order to renew. Death benefits are paid only if you die during the term covered by the policy.


Universal life insurance policies are considered an excellent choice for families seeking to avoid large sums in taxes should a primary income earner die prematurely. These policies provide lifetime rather than term coverage; a portion of the premium is assigned to an investment fund partially sheltered from taxes. Unlike the case with a whole life insurance policy, the nature of the investments is controlled by the policy holder and not the insurance company.


This type of insurance also lasts for life. Some whole life policies require premium payments for only 15 or 20 years. A portion of the premium is assigned to an investment account, from which dividends are regularly paid; the amount depends on the investment success of the insurance carrier. One disadvantage of these policies is that premiums are significantly higher than for term life insurance. On the other hand, premiums do not rise and death benefits are paid out tax-free. Another advantage of whole life policies that require lifelong premium payment is that after 15 or 20 years, the monies in the investment account can pay for the cost of the insurance.

Super Visa Medical Insurance

Citizenship and Immigration Canada (CIC) has introduced a Parent and Grandparent Super Visa, for foreign nationals seeking to visit their Canadian or permanent resident child or grandchild in Canada to apply for an extended stay of up to 24 months.
Currently, visitors can usually stay for six months at a time. If they wish to stay longer, they must apply for an extension and pay new fees. With the Parent and Grandparent Super Visa, eligible parents and grandparents will pay fewer fees and be able to enjoy the company of their families in Canada for a longer period of time without having to renew their status.
The Super Visa is a multiple entry visa, which will be valid for up to ten years. An applicant is eligible for a Super Visa if they have:

  • Provided proof of the parent or grandparent relationship to the Canadian citizen or permanent resident;
  • Undergone a medical examination and are admissible on health grounds;
  • Provided satisfactory evidence of private medical insurance from a Canadian insurance company, valid for a minimum period of one year from the date of entry which:
    • Covers the applicant for health care, hospitalization and repatriation;
    • Provides a minimum of $100,000 coverage; and
    • Is valid for each entry to Canada and available for review by the examining officer upon request; and
  • Provided a written and signed promise of financial support, such as a letter of invitation, from the host child or grandchild for the entire duration the applicant intends to stay in Canada. The letter must be accompanied by evidence of their means of providing such support. This will normally mean details of the number of persons in the host’s household and proof of income at a level meeting or exceeding the Low-income Cut-off for the total number of persons, including the visiting parent(s) or grandparent(s).

Inquiring about our Super Visa Insurance plans is easy! Simply fill out the “Get A Quote” form and one of our representatives will touch base with you on the plan best suited to your needs.

Business / Commercial Insurance - Big, Medium and Small

As an independent insurance brokerage, our goal is to assist you in developing and maintaining a commercial insurance program, and work as your trusted advisor.  As professionals we assess your needs, offer you a complete range of insurance products and provide you with a comprehensive insurance package providing you with exceptional coverages for your distinctive operation.
Our size and independence allows us to access the majority of insurance companies.  With all the challenges facing organizations and families today, no one has time to become an insurance expert.
Instead, you need an experienced broker and team who can analyze the various options available, allowing you to make knowledge based decisions.  While your focus will be on the success of your business, ours will be on protecting your business, and being there when you need us most.
After experiencing a large claim, with damages over $200,000 to their commercial building, one of our customers said: "We were so happy that there weren't any surprises in the settlement of our claim, and feel that our broker was representing our needs first, rather than the insurance company’s.”
Another one of our customers said:  “Relationships of trust and respect are hard to find. This is exactly what my Lundgren and Young broker has provided, which is one less thing for me to worry about".
We are proud of that reputation.  We work hard to build a trusted relationship with our customers. We are an organization dedicated to our customers, and strive to make you feel comfortable and confident in our abilities, by providing solid advice, and appropriate coverages at a fair price.

Commercial Property Insurance
  • Commercial Building & Condominium
  • Equipment and Stock
  • Contractors' Tools and Equipment
  • Installation Floater
  • Equipment Breakdown Coverage 
  • More Details...

Commercial Automobile Insurance

  • Individual Commercial Automobile
  • Fleet Commercial Automobile
  • Garage Automobile
  • Sand and Gravel Program
  • Independent Distributor Program for Sysco Foods
  • More Details...

Commercial Liability Insurance

Business Interruption Insurance


  • Fidelity Bond (Employee Dishonesty)
  • General Surety Bonds
  • Bid Bonds
  • Performance Bonds
  • Labour and Material Bonds
  • More Details...

Commercial Crime Coverage

  • Employee Dishonesty
  • Loss inside the premises
  • Loss outside the premises
  • Money orders & Counterfteit Paper
  • Depositors Forgery Coverage
  • More Details...


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